Cheap Oregon Auto Insurance Quotes
The average Oregon auto insurance premium is $1,573 per year, very close to the US average of $1,578. OR is a Tort add-on state, 
which requires purchasing liability insurance (as a Tort state) plus personal injury protection (as a Tort add-on state). Some of the most popular vehicle insurers in Oregon are: State Farm, Progressive, GEICO, Allstate, Nationwide, Farmers, American Family, Safeco, Hartford (AARP), and Bristol West.
Buying cheap auto insurance in Oregon is easy, as dozens of "multiple quote" websites are at your disposal. All there is to do is fill out several forms at such sites, compare the rates, check the carriers, and buy your policy. As you can see, it can all be done online, without the need to call or travel. The main point is to compare many carriers, as this is the surest way to find a cheap auto insurance deal.
Once you settle on a cheap auto insurance policy, be sure to read it 2-3 times, paying attention to the details, terms, exclusions, and penalties. It’s important to know what you are protected for and what you’re not, what can cause an increase in your rate, if there are penalties to cancel your policy, etc. If you have any questions, you can clarify them with your agent. But first, you may want to ask them if doing so can be considered as a claim (some companies treat certain questions as claims).
Next, is to start carrying your proof of insurance with you. You will not have to carry your policy; instead, you will need to obtain an insurance identification card. This card can be obtained from your agent, as well as it can usually be printed-out from your insurance company’s website. This small card will have your insurance carrier’s name, your name, policy number, effective dates, and the specifications of your car (year, make, and model). This card can be requested by law enforcement officers, as well as it will come in handy for exchanging information with another driver in an accident.
You need to know what to do in case of an accident. The recommended course of actions is as follows: call the police, obtain the other party’s information (you can ask them for their insurance card), obtain written statements from any witnesses, take pictures of the scene, write down what happened, and call your insurance company. Your insurer should help you through the entire process, as well as tell you who to file your claim with. In some accidents, you will file a claim with your own insurer, and in others – with the other party’s insurer.
Another essential point to remember is that if you are unhappy with your cheap auto insurance quotes, there are dozens of other good companies in Oregon. Visit the Oregon Insurance Division for a list of companies licensed to operate in the state. For instance, if you find the rate charged too high, if you don’t like the service, or if you don’t like anything else about your insurer, you can switch to another carrier when your policy comes to an end. You can switch even sooner, but most insurance companies have penalties for early policy cancellation, so it’s best to wait until your policy is about to end.
